At some point, a guest at your condo may suffer an injury that requires the use of your condo insurance. What you might not know is that the policy you use depends on where your guest was injured. At Great Michigan Insurance, serving Marhsall, MI, we’re here to help you get your guest’s medical bills taken care of using the right insurance policy. Here’s how condo insurance liability works.
Master Condo Insurance Versus Individual Condo Insurance
Your HOA’s master condo insurance policy is insurance that covers the common areas of the building. That includes hallways, sidewalks, and lobbies. It stops at your door, and that’s where your private or individual condo unit insurance policy takes over.
What Happens When a Guest Is Injured in Your Condo Building or Unit
If your guest gets injured in any of the building’s common areas, the HOA insurance pays for their medical care.
But if your guest gets injured in your condo unit, your insurance policy pays for their medical care. The cause of the accident can be anything from a trip-and-fall due to damaged flooring or a bite from your dog.
Contact Us To Get Your Condo Insured
Our team of insurance experts at Great Michigan Insurance is here to talk to you about condo insurance and the importance of having enough coverage. Getting the right policy lets you enjoy your condominium in Marshall, MI, without worrying what might happen if someone gets hurt in your home. Call us to learn more about how we can evaluate your needs and find you a policy that covers your condo.
